Is damage from a personal watercraft covered under a standard Homeowners Policy?

A standard Homeowners Policy does not typically cover damage caused by personal watercraft. Homeowners insurance is designed primarily to protect against damage to the home and personal property within it, as well as liability for accidents that occur on the premises. However, personal watercraft, such as jet skis, are often considered a type of vehicle that is excluded from coverage under a standard policy.

To cover damage or liability associated with a personal watercraft, homeowners typically need a separate insurance policy or an endorsement to their existing homeowners policy. This separate policy is specifically designed to address the risks associated with owning and operating watercraft, which includes coverage for physical damage, liability, and possible injuries related to the use of the watercraft.

In contrast, the other options suggest scenarios where coverage would be applicable, which does not align with the standard provisions of homeowners insurance. Therefore, it is crucial to recognize that personal watercraft require specific coverage options outside of a typical Homeowners Policy.